I’m ignorant about many things but I’ve been in the insurance biz for 30 years as well as a CPA for over 40; one thing I know as well as anybody in the insurance biz is the numbers; they don’t work for the consumer but works great for companies and agents who don’t have enough sense to do the analysis; they are scams and the next wave of huge lawsuits will prove it; keep selling it and keep your E&O current; also, thanks for creating inventory for agents who do understand it.Agreed 100%. I can't tell if jerryrut is that ignorant or is being a troll.